The agreement between your agency and Rosli.

1. Binding agreement and acceptance

By submitting the sign-up form, creating an account, forwarding a phone line to a number we provide, signing in to the dashboard, paying an invoice, or otherwise using the Service, you accept these Terms and agree to be bound by them each time you use the Service. If you are accepting on behalf of an agency or company, you represent that you are authorized to bind it, and “you” refers to that entity. If you do not agree, do not use the Service.

These Terms, the plan you select, and any written order form, security addendum, or other document signed by both parties form the entire agreement between you and Rosli. This version supersedes all prior versions unless we have expressly agreed otherwise in writing. The Service is offered to businesses only, not to consumers, and you must be at least 18 years old to use it.

2. What Rosli is, and what it is not

Rosli answers calls to a phone number you forward to us, speaks with callers using artificial intelligence, screens spam, captures the caller's name, number, and reason for calling, collects the intake details you configure, transfers callers to your team when someone presses 1, takes messages, and sends a summary email for each call. Features vary by plan and are described at rosli.ai/features and rosli.ai/pricing.

Rosli is software. It is not an insurance agency, producer, broker, or adjuster, and it holds no insurance license. Rosli is designed never to quote a price, rate, or premium; never to answer whether a caller is covered; never to bind, activate, cancel, or confirm coverage; and never to advise on a claim. Those callers are routed to your team. If, despite these rules, Rosli says something that could be understood as a quote, coverage statement, or advice, it is an error, it is not a representation by Rosli or by you, and you agree to correct it with the caller. You, as the licensed agency, remain solely responsible for every quote, binding decision, coverage explanation, claim, and other act of insurance business, and for all licensing, appointment, continuing-education, and errors-and-omissions obligations that apply to you.

We may add, modify, suspend, or discontinue any feature of the Service at any time. Features labeled beta, preview, or pilot are provided as-is, may be withdrawn at any time, and are excluded from any service commitment. We may change the AI models, telephony carriers, and other vendors we use to deliver the Service without notice; the current subprocessor list is on the Security page.

3. Your carrier, franchise, and agency agreements

Some insurance carriers, franchisors, networks, and agency owners restrict or prohibit the vendors an office may use, including answering services and artificial-intelligence tools, and some require vendor approval, data-handling addenda, or notice. You represent that your use of the Service is permitted under every agreement that binds your office, that you have obtained any approval those agreements require, and that you will stop using the Service if it ceases to be permitted. Rosli has no relationship with your carrier, does not represent that any carrier has approved the Service, and is not responsible for any consequence to your appointment, contract, commissions, or standing that results from your use of a third-party service. This is a material term of these Terms.

4. Your account and your responsibilities

You are responsible for:

• giving us accurate office information (name, hours, team members, transfer numbers, on-call numbers, mailbox addresses, intake fields, and any custom rules) and keeping it current, because Rosli will act on it;
• forwarding your line to us correctly and removing the forward when you no longer want calls answered, since we do not control your carrier or phone system;
• having your team available to answer transfers during the hours you configure, and for what happens when nobody presses 1;
• securing the mailbox that receives summary emails, the email addresses that can sign in to your dashboard, and any device those sign-in links reach;
• obtaining the consent of every person whose phone number you add as a transfer, ring-group, or on-call destination;
• reviewing the summaries, intake, and messages Rosli produces, calling back promptly, and correcting any error; and
• all activity under your account, whether or not you authorized it.

You, not Rosli, are responsible for what your office does with a captured lead or message, for the timeliness of your follow-up, and for every interaction with your own customers.

5. Artificial intelligence and no guarantee of results

Rosli uses generative artificial intelligence and automated speech recognition. Like any such system, it can misunderstand a caller, mis-transcribe a name, phone number, address, date, or vehicle identifier, capture a field incorrectly, misclassify a call as spam or as urgent, fail to recognize a returning caller, respond in the wrong language, drop a call, or behave unexpectedly. You acknowledge these limitations and agree that Rosli's output is not a substitute for your own review and your own conversation with the customer.

We do not guarantee that the Service will answer every call, complete every transfer, capture every lead, catch every spam call, deliver every email, or operate without interruption, error, or delay, including during carrier, vendor, or internet outages. Any figures we publish about answered calls, captured leads, or saved revenue are examples, not promises about your office. Nothing Rosli says to a caller is insurance, legal, financial, medical, or other professional advice.

6. Calls, disclosure, transcripts, and legal compliance

Rosli tells callers at the start of every call that they are speaking with an automated assistant and that the call may be recorded or transcribed. You agree not to ask us to remove that disclosure. Today we keep a text transcript and no audio; we may change how calls are recorded or transcribed with notice on the Security page. You are responsible for complying with all laws that apply to your office's use of the Service, including call-recording and consent laws (many states, including Washington and California, require all-party consent), laws that require disclosing an automated or AI agent, telemarketing and texting laws such as the Telephone Consumer Protection Act, do-not-call rules, the Gramm-Leach-Bliley Act and state insurance privacy and data-security rules that apply to licensees, and any consumer-protection rule that applies to your business.

The Service does not support emergency calls. Rosli cannot connect callers to 911 or other emergency services. Callers reporting an injury, death, total loss, or other emergency are routed to your team or given the carrier's claims line if you have asked us to provide it; Rosli does not handle those calls on its own and is not responsible for the outcome of an emergency.

The Service is not designed for protected health information under HIPAA. Rosli does not ask for health details or payment-card numbers, and unless we have signed a Business Associate Agreement with you, you agree not to configure the Service to collect them. You are solely responsible for any sensitive information a caller volunteers.

7. Caller data, nonpublic personal information, and privacy

Callers give Rosli names, phone numbers, addresses, dates of birth, driver's license and vehicle details, policy information, and similar data. Some of this is nonpublic personal information (“NPI”) under the Gramm-Leach-Bliley Act and state insurance rules. As between you and Rosli, that data belongs to you and your callers; Rosli processes it as your service provider, solely to provide, secure, support, and improve the Service and as you direct through your configuration. The controls in place today, the retention rules, the deletion process, and the subprocessor list are described on the Security page, which is part of these Terms. We will not sell caller data or use it for advertising.

You acknowledge that summary emails deliver caller details in plain text to the mailbox you designate, that email is not encrypted end to end, and that securing that mailbox is your responsibility; you may ask us to send a link to the dashboard instead of the details. You are responsible for giving your callers and customers any notices, and obtaining any consents, that the law requires for our processing on your behalf. If you need a signed security addendum, data-processing agreement, or a completed vendor questionnaire, email support@rosli.ai. Because we cannot verify who is calling, you release Rosli from claims arising from a caller's misrepresentation of their identity.

We may use aggregated or de-identified data derived from use of the Service for any purpose, including improving the Service and publishing statistics, provided it does not identify you or any caller.

8. Acceptable use

You agree not to, and not to permit anyone else to:

• use the Service for any unlawful, fraudulent, deceptive, harassing, or abusive purpose, or in violation of any carrier, franchise, or agency agreement that binds you;
• configure the Service to quote, bind, or advise, to impersonate another business or person, or to collect payment-card numbers, health details, or other data we have said the Service must not collect;
• resell, sublicense, rent, or provide the Service to third parties, or use it to operate a call center or answering service for other businesses without our written consent;
• reverse engineer, extract, or copy our prompts, models, workflows, or software, or use the Service to build or train a competing product;
• probe, scan, overload, or interfere with the Service, its security, or other customers' use of it, or place automated or artificially generated calls to it; or
• use the Service in a way that, in our reasonable judgment, harms Rosli, our carriers, our vendors, or our reputation.

We may investigate suspected violations and may suspend or terminate your access immediately, without refund, if we believe you have violated this Section or these Terms, or if your usage creates a legal, security, or carrier risk for us.

9. Fees, billing, and automatic renewal

Plans and prices. Plan features, monthly prices, included usage, per-call overage rates, and monthly caps are listed at rosli.ai/pricing and in your order, and those listings are part of these Terms. Usage is measured in handled calls: a call in which Rosli got past the greeting and your office received something (a transfer, a message, an intake, or a callback request). Spam, silence, wrong numbers, and hang-ups within the first seconds are not handled calls. For example, the Office plan is $499 per month with 400 handled calls included, then $1.00 per additional handled call, and a month's bill on that plan never exceeds $899. Prices are in U.S. dollars and exclude taxes. Rosli's count of handled calls is authoritative absent manifest error.

Automatic renewal. Subscriptions are billed in advance, monthly or annually as selected, and renew automatically at the end of each billing period at the then-current rate for your plan until cancelled. Overage charges are billed in arrears at the end of each month. Annual plans are prepaid for the full year and are not refundable if you cancel early.

Automatic payment authorization. By providing a payment method, you authorize Rosli and our payment processor to charge that payment method, and any updated or backup payment method you later provide, automatically for all recurring fees, overage charges, taxes, and other amounts you incur under these Terms, without further notice or approval for each charge. You agree to keep a valid payment method on file and to update it promptly when it changes. Where we onboard an office by hand and set up billing after go-live, fees accrue from the go-live date we confirm to you in writing and are due on the first invoice.

Taxes. You are responsible for all sales, use, excise, and similar taxes on the Service other than taxes on our net income. Where we are required to collect tax, it will be added to your invoice.

Price changes. We may change our prices or plan structure by giving you at least 30 days' notice by email or in the dashboard. The new price applies from your next billing period after the notice period. Continuing to use the Service after the change takes effect is your acceptance of the new price; if you disagree, cancel before it takes effect. Promotional pricing, pilot pricing, and other discounts are subject to their stated conditions, may be ended at any time, have no cash value, and are void if obtained through misrepresentation.

Failed payments and past-due amounts. If a charge fails, we may retry it and may suspend the Service, including stopping the answering of your calls, until payment is received. Failing to keep a valid payment method does not relieve you of amounts owed. Amounts more than 30 days past due may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law, and you agree to pay our reasonable costs of collection, including collection-agency fees, court costs, and attorneys' fees. We may report delinquent business accounts to commercial credit agencies to the extent permitted by law.

Billing disputes. You must tell us in writing of any billing dispute within 60 days of the charge, or the charge is deemed accepted. We will work with you in good faith to resolve legitimate disputes.

10. Trials and refunds

Where we offer a free trial, it lasts for the period stated at sign-up. Unless you cancel before the trial ends, your subscription begins automatically at the end of the trial and your payment method will be charged for the plan you selected. Trials are limited to one per office, may carry usage limits, and may be shortened or withdrawn if we detect abuse. Except as required by law or as we expressly agree in writing, all fees are non-refundable and non-creditable, including for partial billing periods, unused handled calls, downgrades, or periods during which you did not forward your line to the Service.

11. Term, cancellation, and termination

Term. Monthly plans run month to month and annual plans run for the annual period you selected; both renew automatically as described in Section 9.

Cancellation by you. You may cancel at any time from your dashboard or by emailing support@rosli.ai from an email address on your account. Cancellation takes effect at the end of the current billing period; you keep access until then and are not charged again. Requests must be received before the renewal date to avoid the next charge. Removing your call forward, ceasing to use the Service, or disputing a charge with your bank does not cancel your subscription.

Suspension and termination by us. We may suspend or terminate your account, with or without notice, if you breach these Terms, fail to pay, create a legal, security, or carrier risk, or if we discontinue the Service or your plan. Where practical we will give you notice and an opportunity to cure. We may also terminate for convenience with at least 30 days' notice, in which case we will refund any prepaid fees for the period after termination.

Effect of termination. When your subscription ends, we stop answering your calls and may release the phone number we provisioned for you. You are responsible for removing the call forward from your line; calls that continue to be forwarded to a released number may fail or reach a different party. We delete or de-identify your office's data as described on the Security page. Sections 2, 3, 5, 7, 8, 9 (as to amounts owed), and 12 through 20, and any other provisions that by their nature should survive, survive termination.

12. Intellectual property, your content, and feedback

The Service, including its software, prompts, voices, designs, text, graphics, documentation, and all improvements, and all related intellectual-property rights, are owned by Rosli or our licensors and are protected by United States and foreign copyright, trademark, trade-secret, and other laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your own office during your subscription. We reserve all rights not expressly granted.

You retain ownership of the office information, custom rules, and other content you provide (“Customer Content”). You grant us a worldwide, royalty-free license to host, copy, process, transmit, and display Customer Content, and to use call transcripts and intake data, as needed to provide, secure, support, and improve the Service. You represent that you have all rights needed to grant this license and that Customer Content does not violate any law, third-party right, or agreement that binds you. If you send us ideas, suggestions, or feedback, we may use them without restriction or compensation. We will not name your office publicly or publish a case study that identifies it without your permission.

13. Confidentiality

Each party will use the other's non-public business, technical, or financial information only to perform under these Terms, will protect it with reasonable care, and will not disclose it except to employees, contractors, and vendors who need it and are bound by similar obligations, or as required by law. This does not restrict information that is public, already known, independently developed, or received from a third party without breach.

14. Third-party services and carriers

The Service depends on third parties we do not control, including your telephone carrier and phone system, SMS and voice carriers, AI model providers, email delivery, hosting, database, and telephony vendors, and our payment processor. We are not responsible for their availability, accuracy, or changes, or for any loss caused by them, including failed forwarding, dropped or missed calls, delayed or undelivered emails or texts, or a vendor's retention of data under its own terms. If a vendor withdraws a capability we rely on, we may modify or discontinue the affected feature.

15. Disclaimer of warranties

To the fullest extent permitted by law, the Service and all transcripts, summaries, intake data, transfers, messages, and other output produced by it are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. Rosli disclaims all implied warranties, including the warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty arising from course of dealing or usage of trade. Rosli does not warrant that the Service will be uninterrupted, timely, secure, error-free, or free of viruses or other harmful components; that every call will be answered, every transfer completed, every lead captured, or every spam call blocked; that AI output will be accurate or complete; that the Service complies with any carrier's, franchisor's, or regulator's requirements for your office; or that the Service will meet your requirements or produce any particular business result. If your use of the Service results in the need to service or replace equipment or data or any other cost, Rosli is not responsible for that cost. No advice or information, whether oral or written, obtained from Rosli creates any warranty not expressly stated in these Terms.

16. Limitation of liability

To the fullest extent permitted by law, in no event will Rosli or its members, managers, officers, employees, contractors, agents, affiliates, licensors, or vendors be liable to you or any third party for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, commissions, leads, policies, customers, goodwill, data, or business opportunity, for any regulatory fine or carrier penalty, or for the cost of substitute services, arising out of or relating to these Terms or the Service, whether based on contract, tort (including negligence), strict liability, warranty, or any other legal theory, even if Rosli has been advised of the possibility of such damages.

To the fullest extent permitted by law, Rosli's total cumulative liability arising out of or relating to these Terms or the Service, regardless of the cause of action, will not exceed the greater of (a) the fees you paid to Rosli for the Service in the three (3) months immediately before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). The parties agree that these limitations are an essential basis of the bargain, apply even if a remedy fails of its essential purpose, and apply in the aggregate to all claims. Some jurisdictions do not allow certain limitations, in which case these limits apply to the maximum extent permitted.

17. Indemnification

You agree to defend, indemnify, and hold harmless Rosli and its members, managers, officers, employees, contractors, agents, and affiliates from and against any third-party claim, demand, action, regulatory inquiry, or proceeding, and all resulting losses, damages, liabilities, fines, penalties, costs, and expenses (including reasonable attorneys' and accounting fees), arising out of or relating to: (a) your use of the Service or the insurance business you conduct; (b) Customer Content or the information Rosli gives callers at your direction; (c) any quote, binding, coverage, or claims decision, or any failure to follow up on a lead or message; (d) your breach of these Terms, of any law, or of any carrier, franchise, or agency agreement that binds you; (e) any dispute between you and a caller, customer, employee, carrier, or regulator; or (f) your negligence or willful misconduct. We will give you prompt notice of any such claim and may participate in the defense with counsel of our choosing at your expense. You may not settle any claim in a way that admits fault on our behalf or imposes obligations on us without our written consent.

18. Governing law and dispute resolution

Governing law. These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Informal resolution first. Before starting any formal proceeding, you agree to email support@rosli.ai with a description of the dispute and to work with us in good faith for at least 30 days to resolve it.

Binding arbitration. Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service, including their formation, breach, termination, enforcement, interpretation, or validity, and including whether a dispute is subject to arbitration, will be resolved exclusively by final and binding arbitration before a single arbitrator administered by JAMS under its Streamlined Arbitration Rules and Procedures. The arbitration will take place in Seattle, Washington, or by video conference if the parties agree or the arbitrator so orders. Judgment on the award may be entered in any court of competent jurisdiction. The arbitrator may award the prevailing party its costs of arbitration, including arbitrator fees and reasonable attorneys' fees.

Class-action and jury waiver. You and Rosli agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding, and the arbitrator may not consolidate claims of more than one party. To the fullest extent permitted by law, each party waives any right to a jury trial.

Exceptions. Either party may bring an individual claim in small-claims court if it qualifies. Notwithstanding the agreement to arbitrate, the following matters may be brought in the state or federal courts sitting in King County, Washington: (i) actions by Rosli for injunctive or other equitable relief to protect its intellectual property, confidential information, or the security of the Service, and (ii) actions by Rosli to collect unpaid amounts owed under these Terms. Each party submits to the exclusive jurisdiction and venue of those courts for such matters and waives any objection based on jurisdiction, venue, or inconvenient forum. You agree not to pursue any claim relating to these Terms in any forum outside the State of Washington and, if you do, stipulate to its transfer to Washington.

Opt-out. You may opt out of this arbitration agreement by emailing support@rosli.ai with your office name and the statement “I opt out of arbitration” within 30 days of first accepting these Terms. Opting out does not affect any other provision.

Equitable relief and fees. You acknowledge that a breach of Sections 8, 12, or 13 may cause irreparable harm for which money damages are inadequate, and that Rosli is entitled to seek injunctive relief in addition to any other remedy. In any action or proceeding to enforce these Terms, the prevailing party is entitled to recover its costs and reasonable attorneys' fees.

19. Changes to these Terms

We may revise these Terms at any time by posting the updated version at rosli.ai/terms and updating the date at the top of this page. For material changes we will also notify you by email to an address on your account or in the dashboard at least 14 days before they take effect, except that changes required by law or that address a new feature may take effect immediately. Your continued use of the Service after the effective date is your acceptance of the revised Terms. If you do not agree, cancel before the effective date. No verbal statement or individual email from our staff modifies these Terms; any amendment to pricing or terms for your office must be in a writing signed or expressly confirmed by Rosli.

20. General

Entire agreement and precedence. These Terms, the Security page, and your plan selection are the entire agreement between you and Rosli regarding the Service and supersede all prior or contemporaneous understandings. If there is a conflict between documents, the order of precedence is: (i) a written order form, security addendum, or data-processing agreement signed by both parties, but only for the specific terms it expressly changes; (ii) these Terms; (iii) the Security page; and (iv) any other document, including any purchase order, vendor form, or terms you send us, which are rejected and have no effect.

Assignment. You may not assign or transfer these Terms or your account without our prior written consent, and any attempt to do so is void. We may assign these Terms to an affiliate, to a successor entity formed to operate the Rosli business, or in connection with a merger, acquisition, reorganization, or sale of assets.

Force majeure. We are not liable for any delay or failure caused by events beyond our reasonable control, including carrier or vendor outages, internet failures, power loss, acts of government, labor disputes, pandemics, natural disasters, or failures of third-party AI, telephony, email, or hosting providers.

Notices. We may give you notice by email to an address on your account, by text to a phone number on your account, or through the dashboard. Notices to Rosli must be sent to support@rosli.ai or by mail to Cookie And Us LLC, 14101 129th Ave NE, Kirkland, WA 98034.

Severability, waiver, and interpretation. If any provision of these Terms is held invalid or unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions remain in full force. Our failure to enforce any provision is not a waiver of it or of any later breach. Headings are for convenience only. “Including” means “including without limitation.” The parties are independent contractors, and these Terms create no partnership, agency, or employment relationship and no third-party beneficiaries. Use of the Service is not authorized in any jurisdiction that does not give effect to all provisions of these Terms, including Sections 15, 16, and 18.

21. Contact

Cookie And Us LLC, doing business as Rosli
14101 129th Ave NE, Kirkland, WA 98034
support@rosli.ai